The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,728
−HK$548/mo
▼ 0.25% · 3.875%
HK$9,000
−HK$276/mo
Today · 4.125%
HK$9,276
baseline
▲ 0.50% · 4.625%
HK$9,840
+HK$564/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$18,552/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,710
−HK$525/mo
▼ 0.25% · 3.875%
HK$9,971
−HK$264/mo
Today · 4.125%
HK$10,235
baseline
▲ 0.50% · 4.625%
HK$10,774
+HK$539/mo
Deposit HK$1.91M · loan HK$1.91M · min. income ≈ HK$20,470/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,474
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,800
−HK$331/mo
Today · 4.125%
HK$11,131
baseline
▲ 0.50% · 4.625%
HK$11,808
+HK$677/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$22,262/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,652
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,965
−HK$317/mo
Today · 4.125%
HK$12,282
baseline
▲ 0.50% · 4.625%
HK$12,929
+HK$647/mo
Deposit HK$1.53M · loan HK$2.30M · min. income ≈ HK$24,564/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,220
−HK$766/mo
▼ 0.25% · 3.875%
HK$12,600
−HK$386/mo
Today · 4.125%
HK$12,986
baseline
▲ 0.50% · 4.625%
HK$13,776
+HK$790/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$25,972/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,594
−HK$735/mo
▼ 0.25% · 3.875%
HK$13,959
−HK$370/mo
Today · 4.125%
HK$14,329
baseline
▲ 0.50% · 4.625%
HK$15,084
+HK$755/mo
Deposit HK$1.15M · loan HK$2.68M · min. income ≈ HK$28,658/mo (50% DSR)
Upfront cash ≈ HK$1.15M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,711
−HK$985/mo
▼ 0.25% · 3.875%
HK$16,200
−HK$496/mo
Today · 4.125%
HK$16,696
baseline
▲ 0.50% · 4.625%
HK$17,712
+HK$1,016/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$33,392/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,478
−HK$945/mo
▼ 0.25% · 3.875%
HK$17,947
−HK$476/mo
Today · 4.125%
HK$18,423
baseline
▲ 0.50% · 4.625%
HK$19,394
+HK$971/mo
Deposit HK$383K · loan HK$3.44M · min. income ≈ HK$36,846/mo (50% DSR)
Upfront cash ≈ HK$383K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).